ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is JSC Bank for Investment & Development of Vietnam ?
1
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at VND 50,255,383 MM
- CASH AND EQV(HY) Highest at VND 170,061,061 MM
- NET SALES(Q) Highest at VND 37,543,783 MM
2
With ROA of 0.59%, it has a expensive valuation with a 1.74 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -3.93%, its profits have risen by 17% ; the PEG ratio of the company is 0.7
3
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -3.93% returns in the last 1 year, the stock has also underperformed Vietnam VN Ho Chi Minh Index in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to JSC Bank for Investment & Development of Vietnam should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is JSC Bank for Investment & Development of Vietnam for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
JSC Bank for Investment & Development of Vietnam
-3.93%
-0.20
30.79%
Vietnam VN Ho Chi Minh Index
29.95%
1.61
21.07%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.50%
EBIT Growth (5y)
24.88%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
14.05%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.74
EV to EBIT
29.18
EV to EBITDA
27.96
EV to Capital Employed
1.15
EV to Sales
6.38
PEG Ratio
0.73
Dividend Yield
1.14%
ROCE (Latest)
3.95%
ROE (Latest)
14.04%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
OPERATING CASH FLOW(Y)
Highest at VND 50,255,383 MM
CASH AND EQV(HY)
Highest at VND 170,061,061 MM
NET SALES(Q)
Highest at VND 37,543,783 MM
OPERATING PROFIT(Q)
Highest at VND 7,832,814 MM
-1What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 114.48%
Here's what is working for JSC Bank for Investment & Development of Vietnam
Operating Cash Flow
Highest at VND 50,255,383 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (VND MM)
Net Sales
Highest at VND 37,543,783 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Operating Profit
Highest at VND 7,832,814 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (VND MM)
Cash and Eqv
Highest at VND 170,061,061 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for JSC Bank for Investment & Development of Vietnam
Credit Deposit Ratio
Lowest at 114.48%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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